Retirement
Solo 401(k) vs SEP-IRA — which is better?
Quick Answer
A Solo 401(k) shelters more money on lower income because it adds a $23,500 employee deferral on top of the 25% profit-share. SEP-IRAs are simpler but pre-tax only and lack the catch-up, loan, and Roth options that make Solo 401(k)s flexible.
Warren Team
Updated April 26, 2026
38
Warren Team
Updated April 26, 2026
38
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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